Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$129,750Cash toward the purchase price.
Closing costs + prepaids$9,400Not just lender fees.
Before credits & paid funds$139,151The complete starting cash picture.
Estimated remaining funds due at closing
$139,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,750.35
Your down payment$129,750.35
Closing costs + prepaids$9,400.35
Total buyer cash needed$139,150.70
Remaining funds due$139,150.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.50
Initial HOA (3 months)$9.99
Prepaid interest, first (27 days)$456.86
Fees + prepaids$9,400.35
Your down payment is the seller’s equity. You take over the $89,250 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $139,150.70 is due at closing. Uses and sources reconcile at $228,400.35 each. Not a Closing Disclosure.